Jump to content


  • Tweets

  • Posts

    • Hi All, I hope I'm posting in the right place.  I have about £40k in unpaid debts (cards, loans etc).  They are pretty much all over £5k and nearing the 6 year since default time frame... The first is into the final 12 months now... Capquest... £11k, they own the debt.  Ive been expecting collection efforts to step up as the SB line approaches with them all.   The situation is that I could pay these but call me morally bankrupt... Id rather eat you know what at this stage.  If any of the so called creditors look into me they'll see that I'm worth chasing.  Having nearly got to the 6 year since default period I won't allow a judgement to show for another 6 years.  How likely are they to try and get one?  With debts over £5k is small claims not an option for them and will it cost them more to take this to court?   My question is this....... They are offering obviously settlements for less.  Capquest 40% of £11K... Id hate to ignore all this and end up having to pay the full amount as they take it to court.... How likely are they to do this?  If they do will they still take a settlement when proceedings have commenced? (Henece nothing to lose by waiting). Companies in question are: Intrum Uk Ltd Cabot Credit Management Group Ltd Aarrow Global Ltd  and I just notice as I type that Capquest are not noted on my credit file and must be part of Arrow Global.... They have also made subtle threat on their latest letter with the wording "Our additional enquiries have indicated that you are a homeowner at the above address." Most of the defaults were around 2014 for agreements taken out 2008 -20012.  Original creditors... Halifax, Tesco, Virgin Money.  In Northern Ireland so PAP doesn't apply I think.   Any advice appreciated. Regards Diedebtsdie              
    • or +14 days which is the earliest they could call the debt in.
    • darn the mug didn't fall for our fleecing attempt.   dx
    • Thank you for your reply Craig - That's good to know, although if I receive a visit from their Bailiff that would cause me extreme additional distress... Want to send them a letter but unsure what to write
    • Letter from pra in reply to my CCA request   They in there words have enclosed requested documents  Which is laughable to say the least they have sent a statement of what they say I owed when they bought the debt and what I owe now on a  PRA  headed statement  No paperwork from MBNA  Sounds like custers last stand for PRA😁  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies

Recommended Posts

Hi Guys,

 

Wondering if I can find out if I have a Liability order. I left the UK 8 years ago and I am planning to return. I did have a dispute with the Council at the time of departure. As far as I understand it, the LO does not appear on the credit file. Is there another way of finding out. I really to not to get into a phone conversation again with the council after all these years. Thanks

Share this post


Link to post
Share on other sites

LO do not appear on your Credit File at all. The only real definitive way to find out is to speak to the Council. Or come back take the chance and hope at some stage in the future the Bailiff doesn't come knocking.


Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Share this post


Link to post
Share on other sites

Mmm. Thanks Ploddertom. Guess I will bite the bullet and phone the Council. If it was passed to the Bailiff, after 8 years I guess I might be in trouble. Do they keep the case file that long? Charges........? Perhaps I do not want to know the answer! Thanks anyway.

Share this post


Link to post
Share on other sites

Just so that you are aware - providing a Liability Order is obtained within 6 years of it becoming due then it never becomes Statute Barred and there is the odd instance of LO's from the 1990s still being chased now. As Councils look for more money hey do turn to historic debts to see if they can get a result. Of course if you are returning to the same area it would make their job easier to find you whereas if you moved away then it would become a little harder but as you would have to register for both Council Tax and/or Electoral Roll it would only be a matter of time.


Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...